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9 Via Caseta
Rancho Santa Margarita, CA

9 Via Caseta

$1,128,800
3 bd • 3 ba • 1,976 sf

This analysis was generated by artificial intelligence on 2/12/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

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AI Property Analysis

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List Price

$1,128,800

Price/Sq.Ft

$571

Year Built

1994

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

• Desirable location in Rancho Santa Margarita: The property is situated in the sought-after Villavante community, known for its well-maintained homes and family-friendly environment. • Walking distance to excellent schools: Arroyo Vista Elementary School (7/10) and Arroyo Vista Middle School (9/10) are within walking distance, providing convenient access to quality education. Tesoro High School (9/10) is also nearby. • Numerous recent upgrades: The property boasts a newly renovated deck (2024), rebuilt water softener (April 2023), 15 SEER furnace and AC (March 2022), Andersen windows (October 2022), and a newer water heater (January 2020), indicating well-maintained condition and reduced maintenance concerns. • Functional and well-equipped kitchen: The kitchen features stainless steel appliances, granite countertops, an extended island with seating, and ample storage space, making it ideal for cooking and entertaining. • Enhanced outdoor living space: The Alumawood-covered patio, expanded with pavers and artificial grass, creates a pleasant outdoor area for relaxation and entertainment. • Well-organized garage: The two-car garage includes extensive closed-cabinet storage, shelving, SwissTrax flooring, and LED lighting, providing ample space for storage and organization.

The Bad

• Relatively high price per square foot: At $571.26 per square foot, the property is priced higher than some comparable homes in Rancho Santa Margarita. Buyers should carefully evaluate the market to ensure the price aligns with current values. • Older construction: Built in 1994, the property may require more maintenance and repairs compared to newer homes. While the property has been updated, potential issues associated with aging infrastructure should be considered. • Moderate Air Quality and Heat Risk: The property has a Moderate Air Quality Risk (4/10) and Major Heat Risk (5/10), which could impact comfort and increase utility costs during certain times of the year. • Dependence on car: RSM is heavily car-dependent. If relying on public transport is important, research the available options and their practicality for your needs.

The Ugly

• High estimated insurance cost: The estimated annual insurance cost of $4,063.68 is significantly higher than the national average, primarily due to the Major Fire Risk (6/10). This cost should be factored into the overall budget. • Potential for Mello Roos and Special Assessments: Rancho Santa Margarita has Mello Roos taxes and special assessments, which can add significantly to property tax expenses. Buyers should carefully investigate the specific amount and duration of these fees for this property. • Potential for HOA restrictions: RSM has a master HOA (SAMLARC) and often individual sub-associations within specific neighborhoods. These HOAs come with fees and rules that can restrict things like landscaping, paint colors, and parking.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

• Families prioritizing access to top-rated schools: Located within walking distance of Arroyo Vista Elementary (7/10) and Arroyo Vista Middle School (9/10), and a short drive to Tesoro High School (9/10), this home offers excellent educational opportunities for school-aged children. • Buyers seeking a move-in ready home with updated features: The property boasts numerous recent upgrades, including a renovated deck (2024), rebuilt water softener (2023), new furnace and AC (2022), and Andersen windows (2022), reducing the need for immediate repairs or renovations. • Individuals valuing outdoor living and entertaining: The Alumawood-covered patio with pavers and artificial grass provides a comfortable and low-maintenance space for outdoor activities and gatherings. • Buyers who appreciate a well-organized and functional garage: The garage features extensive closed-cabinet storage, shelving, SwissTrax flooring, and LED lighting, providing ample space for storage and organization.

Not For

• Buyers seeking a brand-new home: Built in 1994, the property is approximately 30 years old. While it has been updated, some buyers may prefer a newer construction with modern building standards and design. • Individuals prioritizing minimal HOA involvement: Rancho Santa Margarita has a master HOA (SAMLARC) and potentially sub-associations, which come with fees and restrictions. Buyers seeking more autonomy over their property may find these limitations undesirable. • Buyers sensitive to environmental factors: The property has a Moderate Air Quality Risk (4/10) and Major Heat Risk (5/10), which may be a concern for individuals with respiratory issues or heat sensitivity. • Individuals with limited mobility: With all bedrooms located upstairs and a two-story layout, this property may not be suitable for those with mobility challenges.
Demographics
Area Median Income

$127,522

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Risk Assessment

Climate Risks

fireMAJOR

Insurance: Required

heatMAJOR

6 extreme heat days per year

98th percentile: 93°F

airMODERATE

5 bad air quality days per year

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

windMINIMAL

Insurance: Optional

Risk Analysis

• Mello Roos and Special Assessments: Rancho Santa Margarita has Mello Roos taxes and special assessments, which can add significantly to property tax expenses. Buyers should carefully review the amount and duration of these fees. • HOA Fees and Restrictions: The property is subject to HOA fees and restrictions, which may limit landscaping choices, paint colors, and other exterior modifications. HOA fees can also increase over time. • Wildfire Risk: The property has a Major Fire Risk score of 6/10, which could result in higher insurance premiums and the need for fire mitigation measures. • Fluctuating Water Costs: California is prone to droughts, and water costs can fluctuate. Buyers should be aware of potential water restrictions and cost increases during drought periods. • Market Competition: Rancho Santa Margarita is a popular area, and the real estate market can be competitive. Buyers may need to move quickly and potentially offer above asking price to secure the property.
Insurance
Annual Cost

$4,064

$339 per month

Financials

Monthly Costs
Market Rent (3 bed)

$4,160

Get a detailed rental estimate on Zillow®
HOA Fee

$286

Price History

Property Taxes

$5,640
2024 Tax Assessment
2.3%from previous year
Assessed Value$558,363
Tax Rate1.01%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$1,122,917

-0.5% below list price

Median Price

$1,075,000

Based on 6 recent sales

Price per Sq.Ft

$595

Comparable Properties

27 Berlamo, Rancho Santa Margarita, CA 92688
Price: $1,445,000
Sq.Ft: 2,289
Beds/Baths: 4/3
$/Sq.Ft:
$63110.5%
Sale Date: 1/16/2025
28410 Buena Vista, Mission Viejo, CA 92692
Price: $1,075,000
Sq.Ft: 1,740
Beds/Baths: 3/3
$/Sq.Ft:
$6188.2%
Sale Date: 12/18/2024
35 Calle Del Sur, Rancho Santa Margarita, CA 92688
Price: $1,255,000
Sq.Ft: 1,988
Beds/Baths: 3/3
$/Sq.Ft:
$63110.5%
Sale Date: 10/17/2024
132 Encantado, Rancho Santa Margarita, CA 92688
Price: $975,000
Sq.Ft: 1,743
Beds/Baths: 3/3
$/Sq.Ft:
$5592.1%
Sale Date: 11/13/2024
38 Regato, Rancho Santa Margarita, CA 92688
Price: $1,040,000
Sq.Ft: 1,777
Beds/Baths: 3/3
$/Sq.Ft:
$5852.5%
Sale Date: 10/30/2024
17 Alondra, Rancho Santa Margarita, CA 92688
Price: $947,500
Sq.Ft: 1,731
Beds/Baths: 3/3
$/Sq.Ft:
$5474.2%
Sale Date: 11/6/2024

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